Bluevine Business Checking offers three flexible plans—Standard, Plus, and Premier—so you can choose the right balance of cost, yield, and features for your business.

Plans at a glance

Use the table below to compare our plans against some of our most popular features:

View more details and a full side-by-side comparison of our plans here.

Which plan is right for me? 

• Standard — best for new and small businesses
  Standard gives you straightforward banking with no minimum balance, no monthly fees, and the essential tools most small businesses need. It’s a fit if you:
  • Keep lower or variable account balances
  • Use basic cash‑flow tools for everyday banking
  • Make mostly domestic payments
  • Use mostly standard payment processing and send checks infrequently
  • Rely on basic fraud controls
    
    
• Plus — for growing businesses that want higher yield and lower payment costs
  Plus offers higher interest earnings than Standard without the monthly deposit or card spend requirements, in addition to stronger fraud controls and lower payment fees, making it a solid choice for growing businesses. It’s a fit if you:
  • Rely on automatic interest accrual eligibility with a higher APY
  • Require additional sub-accounts (up to 10 with Plus) for better organization and control of budgets, teams, taxes, or locations
  • Send time‑sensitive or international payments more regularly
  • Mail and use checks periodically
  • Prefer stronger fraud controls with ACH positive pay and payee preauthorization
    
    
• Premier — for scaling businesses that manage larger balances and higher payment volume
  Designed to fit the needs of scaling businesses, Premier delivers our highest APY with no balance cap for interest accrual and no monthly deposit or card spend requirements, as well as the steepest payment-fee discounts and access to priority support. It’s a fit if you:
  • Require the additional flexibility and organization of up to 50 sub‑accounts and more advanced cash‑management workflows
  • Rely on time‑critical payments or frequent international payments
  • Require immediate access to treasury services and priority phone support  
  • Mail and use checks frequently
  • Are consolidating multiple accounts or outgrowing Plus

How do I upgrade my plan?

You can change your plan anytime through your dashboard by following these steps:

1. Sign in to your Bluevine dashboard.¹
2. Click the profile icon in the upper right-hand corner.
3. Select Plan > View plans.
4. Optionally, select Compare plans to view a side-by-side comparison.
5. Select the applicable plan and click Save changes.
6. Review the confirmation screen and click Upgrade plan to confirm. Your Plus or Premier benefits start immediately.

Note: If this is your first time enrolling in Plus or Premier, you’ll immediately start a 30-day free trial.

How do I downgrade my plan?

If you use features available only on a higher tier (for example, ACH payee preauthorization), disable them before you downgrade to avoid errors. Then complete the following steps to switch plans:

1. Sign in to your Bluevine dashboard.¹
2. Click the profile icon in the upper right-hand corner.
3. Select Plan > View plans.
4. Choose the applicable plan and click Save changes.
5. Review the confirmation screen and select Yes, change plan to confirm. 

Notes when downgrading

• If you downgrade back to Standard during your 30‑day free trial of Plus or Premier, the trial will end and Standard plan benefits will take effect right away.
• If you downgrade your plan during a billing cycle, your current plan’s fee will still apply and be charged at the end of that cycle (unless you meet that plan’s fee‑waiver requirements). You’ll continue to have access to your current plan’s benefits until then, and your new plan will take effect at the start of the next cycle.

Downgrade due to unsuccessful plan fee charges
If a Plus or Premier plan fee is ineligible for waiver and cannot be successfully charged due to insufficient funds, Bluevine may retry the charge. If the fee remains unpaid, your account may be automatically downgraded to the Standard plan.

If this occurs:

• You’ll receive an email notification informing you of the downgrade.
• Your current Plus or Premier benefits will remain active until the end of the billing cycle.
• The downgrade to Standard will take effect at the start of the next billing cycle.

To avoid interruption to your plan benefits, ensure sufficient funds are available to cover your monthly plan fee or that you meet the fee-waiver requirements.

Frequently Asked Questions

^{1 Viewing and changing plans is only available on the desktop or mobile browser version of the Bluevine dashboard. 
2 Bluevine Plus is subject to a $30 monthly fee. Avoid the fee by doing the following each billing period: 1) maintain an average daily balance of at least $20,000 in your Bluevine Business Checking account and/or sub-account(s) and 2) spend at least $2,000 with your Bluevine Business Debit Mastercard®.
3 Bluevine Premier is subject to a $95 monthly fee. Avoid the fee by doing the following each billing period: 1) maintain an average daily balance of at least $100,000 in your Bluevine Business Checking account and/or sub-account(s) and 2) spend at least $5,000 with your Bluevine Business Debit Mastercard®.
4 Standard plan customers will earn interest on their available balances if they meet an eligibility requirement as detailed in the Terms of Interest Accrual which is incorporated as a part of the Bluevine Business Checking Account Agreement. 
5 Premier customers are routed to a priority queue when calling from the phone number(s) linked to their account.
6 Customers enrolled in the Standard or Plus plan may access and apply for Treasury once they meet a minimum $50,000 balance across their Bluevine checking and sub-accounts. Premier customers may access and apply for Treasury with no minimum balance. Access to Treasury Services is subject to review and approval of the Treasury application. Treasury Services are offered to eligible customers of Bluevine Inc. (Bluevine) by its wholly owned subsidiary, Bluevine Advisory LLC (Bluevine Advisory), a U.S. Securities and Exchange Commission (SEC) registered investment adviser. Sub-advisory services are provided to Bluevine Advisory customers by Atomic Invest, LLC (Atomic Invest), an SEC registered investment adviser. Brokerage services are provided to Bluevine advisory customers by Atomic Brokerage LLC (Atomic Brokerage), an SEC registered broker-dealer and member of the Financial Industry Regulation Authority (FINRA) and the Securities Investor Protection Corporation (SIPC).}